Who is Ad Astra Recovery Services?
Ad Astra Recovery Services, Inc. (AARS) is a third-party debt collection agency based in Wichita, Kansas. The company works with various clients to recover overdue debts.
If you see Ad Astra Recovery Services, ‘ad astra rec’, or ‘ad astra recovery serv’ on your credit report, it signifies that you have an outstanding debt which the company is attempting to collect.
Who does Ad Astra Recovery Services collect for?
Ad Astra Recovery Services has a diverse client base, including Speedy Cash payday loans, among other businesses. One of their primary services is recovering overdue payday loans — short-term, high-interest loans intended to be paid back by the borrower’s next payday.
They also provide check recovery services, which involve retrieving funds from checks that have been written but not successfully processed due to insufficient funds or other issues.
Is Ad Astra Recovery Services legit or a scam?
Ad Astra Recovery Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.
How can I remove Ad Astra Recovery Services from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Ad Astra Recovery Services, Inc. Contact Information
Ad Astra Recovery Services, Inc.
7330 W 33rd St N #118
Wichita, KS 67205-9370
Phone number: (866) 398-2089
Should I contact or pay Ad Astra Recovery Services?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Ad Astra Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Ad Astra Recovery Services on behalf of their clients.
Will Ad Astra Recovery Services sue me or garnish my wages?
Ad Astra Recovery Services has the potential to sue you in court if you fail to pay a debt. This is typically a last resort if all other collection efforts have failed. If they win the lawsuit, they may obtain a court order to garnish your wages until the debt is paid off.
However, not every case ends up in court. It’s also important to note that the rules surrounding wage garnishment vary by state, and there are federal laws in place that limit the amount that can be garnished.
Ad Astra Recovery Services, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with Ad Astra Recovery Services, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Ad Astra Recovery Services
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Ad Astra Recovery Services to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate. This is done by sending Ad Astra Recovery Services a debt validation letter.
- Ad Astra Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Ad Astra Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Ad Astra Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Ad Astra Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Ad Astra Recovery Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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